Financial Tips

10 Lessons from Past Presidents…

In celebration of Presidents day yesterday, we thought it only fitting to share with you money lessons that presidents of our past lived by and taught us while in office. Let’s start with George Washington!!! He taught lessons 1 & 2… 1. Washington wrote in a letter almost 240 years ago that the way to pay old…

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Common Myths About Retirement, Uncovered!!!

Common Myths About Retirement ~ January 23rd 11am @ the Platteville Public Library If your like most people you have many questions about retirement. There is a lot of advice out there but much of it is untrue or outdated. At this event you will find out why everything you have heard about retirement is…

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7 Things To Do Financially Before the End of the Year!!!

Another year is getting ready to close and a new one to begin… Isn’t that some kind of Christmas song? (wink) As you are winding down your year there are 7 things you need to look at financially to make sure 2018 ends successfully. 1. Max out your Retirement contributions.  Contact either your financial advisor…

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Investing Legend says It’s Time to Take Gains Off the Table!

Investing legend Howard Marks, co-chair and co-founder of Oaktree Capital Management, with more than $120 billion in assets under management, argues: “It’s time to take some risk off the table. The odds have shifted against you,” he tells ThinkAdvisor in an interview. Marks, 72, is famed for sending clients insightful memos about the markets and…

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Do you know what an Annuity Really is???

Have you been asked to read information about annuities by someone who doesn’t believe you should buy them? Have you listened to them??? Much of the information on annuities that you may read or see is misleading!!! WHAT??? Facts are empowering, right? BUT… Before we get to the facts, we need to clarify that fixed annuities…

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Bonds

Bonds are usually hailed as a ‘safe’. When you buy a bond you are actually lending money to the US Government. For a set period of time… At a fixed interest rate! Yet bonds come with some risks as well. Here is a few to understand… 1. Interest rates risk Interest rates can affect bond…

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Recommended Reading

One of our core principals that we live by is the value of personal development… We believe in coaching, growth and learning… Not just for us but for our clients as well!!! We believe personal development helps us to grow and make the impact we want to make! We have commited to reading…. going to…

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Subject: STOP! If you have an annuity, read this NOW

Insurance companies are still trying to wriggle out of promises made years ago to consumers of their variable-annuity products… as certain contract features have proven too generous in light of market conditions such as persistently low-interest rates. AXA Equitable Life Insurance Co. Ohio National Life Insurance Co. are examples of firms that are doing just that……

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Video on the Danger of the 60/40 Allocation!!!

___________________________________________________________________________ Michelle Bertram and Beverly Bertram are financial advisors living in Mineral Point WI and serving the surrounding communities. Michelle Bertram does financial planning for retirees along with business consulting. Beverly Bertram specializes in retirement planning and income planning for her clients. Michelle Bertram and Beverly Bertram are authors of the book, Creating You DREAM…

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What is a FIA Asset?

FIA is the acronym for Fixed Indexed Annuity… which, if structured properly, can help… Control market risk… Mitigate longevity risk… and outperform bonds over time. Recent innovations in annuity product design… combined with an increasingly competitive marketplace have given individuals preparing for or in retirement powerful AND more affordable tools!!! Not only to mitigate retirement…

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